No Stupid Questions
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The most secure way this could happen is them storing the specific character separately. It reduces security of your password if that plaintext character is compromised but you could still store the rest of the password securely.
You could even salt and hash the one character with a large salt to keep it behind a one-way function, and then the agent would need to enter it and confirm via the system, but that would reduce any downside of the one or two characters being compromised.
It's weird either way though.